How Much Is Allstate Car Insurance per Month? (2026): About $243 to $265 for Full Coverage, Pricier Than Most Large Insurers
Key Takeaways
- NerdWallet’s August 2026 analysis puts Allstate full coverage at $265 a month ($3,176 a year) against a national average of $2,356 a year.
- Minimum coverage costs $67 to $69 a month at Allstate in NerdWallet and AutoInsurance.com.
- Allstate’s rates tend to be higher than average, and GEICO charges an average $1,867 a year for full coverage against Allstate’s $2,915, per AutoInsurance.com.
- Insure.com says bundling home and auto offers potential savings averaging 25%, which can pull the effective price closer to competitors.
- Allstate ranked third in J.D. Power’s 2026 Insurance Shopping Study and holds an A+ financial strength rating from AM Best, according to AutoInsurance.com.
- Location swings the price: MoneyGeek shows monthly rates from $82 in Vermont to $557 in Louisiana.
Allstate is one of the biggest names in car insurance and one of the more expensive ones. Most 2026 studies put full coverage near $243 to $265 a month and minimum coverage near $67 to $69 a month, with the gap widening for drivers who have a violation on their record.
The price buys extras: an agent network, discounts that can cut a bill sharply if you bundle, and accident forgiveness. Whether it is worth paying more depends on your state, your record, and how many of those discounts you can use.
Allstate costs more than most large insurers. Bundle discounts and accident forgiveness are what can make it worth the extra.
Published averages disagree because each source uses a different sample driver. NerdWallet reports $265 a month, Insure.com $263, AutoInsurance.com $243, and MoneyGeek $161 for a 40 year old man with good credit and a clean record. Every source agrees on the direction, though. MoneyGeek finds Allstate $25 a month above its national average and ranks it 10th overall, 13th for affordability, and 3rd for coverage among 14 major insurers. NerdWallet says Allstate is generally more expensive than other large U.S. insurers.
How much does Allstate car insurance cost per month?
Allstate full coverage averages between $161 and $265 a month depending on the study, and minimum coverage between $67 and $81. The table lists each source.
The rates and information displayed below reflect full-coverage averages unless noted.
| Source | Full coverage, per month | Minimum or liability, per month |
|---|---|---|
| NerdWallet (August 2026) | $265 | $67 |
| Insure.com (April 2026) | $263 | Not stated |
| AutoInsurance.com (August 2026) | $243 | $69 |
| MoneyGeek (May 2026) | $161 | $81 |
Sample rates only; actual quotes vary by state, vehicle, driving record, and other factors. Sources: NerdWallet, Insure.com, AutoInsurance.com, and MoneyGeek. Insure.com used Quadrant Information Systems data for 40 year old drivers with clean records and good insurance scores.
What information Allstate needs for an accurate quote
The averages above are only a starting point, since Allstate calculates every quote from a specific set of details rather than a flat rate for everyone. Before you request a quote, gather your driver’s license number, the VIN or the year, make, and model for each vehicle you want on the policy, your current mileage, and the address where the car is parked overnight. AutoInsurance.com notes that Allstate also asks about your homeownership status, since that can open up bundling options even if you do not plan to insure the home itself right away.
Have your current declarations page on hand too, if you are switching from another company. It shows your existing limits and deductibles, which makes it easier to request a matching quote from Allstate rather than comparing a thinner policy against a more complete one. A representative can usually give you a preliminary number over the phone, but the final price is not locked in until Allstate verifies your driving record and, where allowed, your credit.
Is Allstate cheaper or more expensive than GEICO?
Allstate is more expensive than GEICO on nearly every measure. AutoInsurance.com puts GEICO at $1,867 a year for full coverage against Allstate’s $2,915, and at $558 a year for minimum coverage against $823. Its research finds GEICO generally cheaper across driver profiles. Quote.com compares Allstate with Farmers instead: for drivers with no incidents, Allstate averages $247 a month against Farmers’ $317, and after an accident $290 against $370.
| Comparison | Allstate | Competitor |
|---|---|---|
| Full coverage, per year (AutoInsurance.com) | $2,915 | GEICO $1,867 |
| Minimum coverage, per year (AutoInsurance.com) | $823 | GEICO $558 |
| Clean record, per month (Quote.com) | $247 | Farmers $317 |
| After an accident, per month (Quote.com) | $290 | Farmers $370 |
Sample rates only; actual quotes vary by state, vehicle, driving record, and other factors.
How much does Allstate cost after an accident or DUI?
Violations raise Allstate’s price the way they raise every insurer’s. Quote.com puts a clean record at $247 a month for full coverage, $290 after an accident, and $330 after a DUI. MoneyGeek finds a DUI adds $106 a month to Allstate’s rate, a 66% increase. AutoInsurance.com calls Allstate a poor fit for drivers with a DUI or poor credit, and best for clean records with good credit.
Credit matters too, and it can move Allstate’s price by more than a violation does for some drivers. Quote.com reports the average Allstate rate for a driver with a poor credit score is $170 a month, against $87 a month for a driver with excellent credit. Those figures reflect a different sample than the full coverage averages above, so use them for the gap rather than the level.
How Allstate prices high risk driving
A single speeding ticket can move Allstate’s price more than most drivers expect, and the increase sits on top of the base rates already covered above. AutoInsurance.com’s data shows a driver’s rate climbing further with each additional violation, and Allstate is one of several auto insurers that weighs recent tickets and accidents heavily when it sets car insurance rates. If your driving record includes a speeding ticket, an at fault accident, or a DUI within the past few years, expect Allstate to price you as a higher risk than the clean record averages above.
That does not mean Allstate is a bad option if your record shows high risk driving. Some auto insurers raise rates more sharply than others after a single violation, and Quote.com’s data suggests Allstate’s increase after an accident is proportionally smaller than Farmers’ jump for the same profile. The only way to know for sure is to compare car insurance quotes directly, since a company that looks expensive at the liability coverage level can still be competitive once a violation is on your record.
Optional coverage worth adding to an Allstate policy
Beyond the liability and full coverage figures above, Allstate sells several types of optional auto coverage that change your total car insurance coverage without changing your base rate by much. Rental car reimbursement auto insurance coverage pays for a temporary vehicle while yours is in the shop after a covered claim, which matters if you rely on your car for work. Roadside assistance and new car replacement are two more common add ons, and availability varies by state.
If your state requires it, personal injury protection pays your medical bills after an accident regardless of who is at fault. Low mileage drivers may also qualify for a usage based discount that lowers the base premium, on top of whatever optional coverage you add. And if you still owe money on a car loan, gap insurance is worth pricing separately, since Allstate only lets you add it when you first finance the vehicle, not later.
What discounts can lower an Allstate bill?
Allstate offers a wide mix of discounts, according to Quote.com. The biggest single discount is bundling: Insure.com says combining home and auto saves an average of 25%. Accident forgiveness, which keeps your rate from rising after an at fault accident, is available as an add on, per AutoInsurance.com. Quote.com also lists safe driving incentives, and availability varies by state. Ask for a full discount review when you quote, since the potential savings may not show up in the price a form shows first.
Allstate ratings and customer service
| Source | Rating | Notes |
|---|---|---|
| J.D. Power, 2026 Insurance Shopping Study | Ranked 3rd | Via AutoInsurance.com |
| AM Best | A+ financial strength | Via AutoInsurance.com |
| Insure.com customer survey | 3.57 out of 5 | 83% satisfied and 93% plan to renew |
| U.S. News survey | 60% completely satisfied with claim filing | Another 33% somewhat satisfied |
Allstate pros and cons
| Pros | Cons |
|---|---|
| Wide agent network and strong claims support, per Insure.com | More expensive than most large insurers, per NerdWallet |
| Bundling home and auto saves about 25% on average | Poor fit for drivers with a DUI or bad credit, per AutoInsurance.com |
| Accident forgiveness available | Gap coverage can only be added when you finance the vehicle |
| A+ AM Best rating and high renewal intent | Rates vary widely by state, from $82 to $557 a month |
Is Allstate worth the price?
Allstate makes the most sense for a clean record driver who will bundle home and auto and values an agent. If you only need the legal minimum, GEICO’s rates are lower in the AutoInsurance.com comparison. If you have a DUI or poor credit, compare car insurance quotes from several auto insurers before settling on Allstate. Insure.com puts it this way: the right choice depends on whether Allstate’s rates are competitive in your state and whether you qualify for enough discounts to justify the higher base cost.
Frequently asked questions
How much is Allstate car insurance per month for full coverage?
Between $161 and $265 a month, depending on the study. NerdWallet reports $265, Insure.com $263, AutoInsurance.com $243, and MoneyGeek $161. Your own quote depends on your ZIP code, age, driving record, and coverage limits.
How much is Allstate minimum coverage per month?
Between $67 and $81 a month in the sources above. NerdWallet reports $67 and AutoInsurance.com $69. Minimum coverage pays only for damage you cause to others, not for your own car.
Is Allstate expensive?
Yes, relative to most large insurers. NerdWallet says Allstate’s rates are generally higher than other large U.S. insurers. Bundling and discounts can narrow the gap.
Does Allstate charge a cancellation fee?
No. AutoInsurance.com says Allstate does not charge a fee for canceling a policy, and it notes Allstate gives a 30 day grace period for late payments before it cancels.
Can you add gap insurance to an Allstate policy later?
No. AutoInsurance.com says Allstate offers gap insurance, but you must add it to your financing agreement when you buy the vehicle and cannot add it to a car you already own.
The bottom line
Allstate full coverage averages about $243 to $265 a month in most 2026 studies, which is more than GEICO and most large competitors. You get a wide agent network, accident forgiveness, and bundle savings of around 25% if you qualify. Rates vary sharply by state and drop or climb with your record, so treat any average as a starting point. Compare quotes from at least three insurance companies, including Allstate, and use the InsuredSpot website to see them side by side.
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